AMERICAN HERITAGE NATIONAL BANK

LONG PRAIRIE, MN | Medium | Est. Sept. 1, 1881, midnight | FDIC #8843 | RSSD #61757 | OCC
Latest Report: 2025-12-31

AMERICAN HERITAGE NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in LONG PRAIRIE, MN, established in Sept. 1, 1881, midnight. As of 2025-12-31, the bank reported total assets of $587M and total deposits of $509M. Profitability stands at 0.40% ROA and 3.16% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 16.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.50%. FDIC Certificate #8843.

Assets

$587M

Deposits

$509M

Loans

$440M

Equity

$73M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 3.16%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.54%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.50%
NPA Ratio 0.07%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 16.54%
Tier 1 Capital 16.54%
Total Capital Ratio 17.79%
Leverage Ratio 11.97%
Loan-to-Deposit 86.43%

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